Expand into eNotes

The key is in the e ...

Our journey to eNotes is finally complete – all we need is you! As of July 1, Federal Home Loan Bank of Des Moines is accepting residential mortgage eNotes (Electronic Promissory Notes) as collateral – saving you time and money.

Experience all eNotes has to offer. Below you will find ways to educate, explore and begin enrollment.

Jump to Training and Events

Educate (eNotes)

What is an eNote?

A promissory note executed and signed electronically and stored in an eVault. A scanned image of a wet-ink signature.

eNote Benefits

Faster Funding Icon

Faster funding

Reduced Shipping Fees

Reduced shipping and storage fees

Fewer Errors

Fewer errors

Improved audit trail

Improved audit trail

Borrower Review

Borrower can review loan documents prior to closing

Faster Signing Process

Faster and easier signing process

Collateral Type Wet-Ink Notes eNotes
1-4 Family Residential First Mortgage Loan 1101 3101
1-4 Family Residential First Mortgage Loan – Nontraditional Loan 1102 3102
1-4 Family Residential First Mortgage Loan – Subprime Loan 1103 3103
Government Insured – VA Home Loan 1203 3203
Government Insured – FHA Home Loan 1205 3205
1-4 Family Residential Home Equity Mortgage Loan 1414 3414

Training & Events

A Spotlight on eNote Processes for FHLB Members
September 16, 1:00 PM CDT 
During this webinar, representatives from MERSCORP Holdings and the FHLBanks will share information about key eNote concepts, requirements for pledging eNotes as collateral to the FHLBanks and steps needed to be eligible to pledge your eNotes. You’ll also learn about MERS® System Membership requirements, including a type designed for Federal Home Loan Bank Members. Members of all Federal Home Loan Banks as well as Federal Home Loan Bank employees are invited to attend.

Panelists include:

  • Vonda Renfrow, VP | Director, Member Services, Federal Home Loan Bank of Des Moines
  • Tiffany Toale, Training and Development Analyst, MERSCORP Holdings


These webinars are open to FHLB Des Moines members. If you do not have a MERS Org ID, contact us for registration information.

Explore eNotes

Requirements and Guidelines

Understand the requirements and specifications for ensuring eNotes meet the legal, technological and operational requirements necessary to electronically create valid, enforceable and transferable loan obligations or effectively service loans and comply with the FHLB Des Moines Collateral Procedures.

Review the Full eNotes Requirements and Guidelines

Helpful links for understanding requirements

eNotes Resources

View our eNotes educational resources to learn more.


Collateral Quarterly Newsletter

Sign up for our Collateral Quarterly eNewsletter for eNotes updates as well as other collateral-related news and information.

eNotes Enrollment

Are you ready to take the next step?

We’re here to walk you through set-up and answer any questions you might have.